Bank Comparison
State Bank of Texas vs Wells Fargo Bank South Central, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 9
winning metrics across 21 comparable rows
Capital adequacy
| Metric | State Bank of Texas | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| CET1 Ratio | — | 75.99% |
| Tier 1 Capital Ratio | — | 75.99% |
| Total Capital Ratio | — | 76.31% |
| Tier 1 Leverage Ratio | 14.73% | 28.01% |
| Equity / Assets | 14.52% | 28.51% |
Profitability
| Metric | State Bank of Texas | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Return on Assets (ROA) | 3.96% | 1.70% |
| Return on Equity (ROE) | 26.95% | 6.11% |
| Net Interest Margin (NIM) | 5.05% | 2.34% |
| Yield on Earning Assets | 8.31% | 3.75% |
| Cost of Funds | 3.65% | 2.08% |
Asset quality
| Metric | State Bank of Texas | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Texas Ratio | 14.96% | 2.82% |
| Non-Performing Loan Ratio | 1.15% | 1.18% |
| Non-Performing Asset Ratio | 2.22% | 0.79% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.07% | 0.14% |
Balance sheet
| Metric | State Bank of Texas | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Total Assets | $2,764M | $2,700M |
| Total Deposits | $2,223M | $1,786M |
| Total Loans | $2,231M | $1,779M |
| Total Equity | $401,316K | $769,960K |
| Net Income (quarter) | $27,239K | $11,667K |
Liquidity & funding
| Metric | State Bank of Texas | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 100.35% | 99.65% |
| Core Deposit Ratio | 83.03% | 100.00% |
| Uninsured Deposit Ratio | 17.22% | 0.44% |
Identity
| Metric | State Bank of Texas | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Headquarters City | IRVING | HOUSTON |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 11668 |
| Regulator | FDIC | OCC |
| Domestic Branches | 7 | 1 |
| Employees (FTE) | 96 | 0 |
| Established | Oct. 19, 1987, midnight | June 18, 1894, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full State Bank of Texas profile | View full Wells Fargo Bank South Central, N.A. profile | Browse all bank comparisons